Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$16,903Cash toward the purchase price.
Closing costs + prepaids$10,765Not just lender fees.
Before credits & paid funds$27,668The complete starting cash picture.
Estimated remaining funds due at closing
$27,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,903.06
Your down payment$16,903.06
Closing costs + prepaids$10,765.13
Total buyer cash needed$27,668.18
Remaining funds due$27,668.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,414.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Initial HOA (3 months)$105.00
Prepaid interest, first (13 days)$653.14
Fees + prepaids$10,765.13
Your down payment is the seller’s equity. You take over the $282,997 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $27,668.18 is due at closing. Uses and sources reconcile at $310,665.13 each. Not a Closing Disclosure.